How To Order & Activate Your FREE TF Bank Mastercard Gold

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Researched & written

by Yvonne Koppen


TF Bank is a Swedish bank that offers a very competitive free credit card in Germany. The Mastercard Gold has no annual fee and is known to be easy to get by foreigners living in Germany, which is not the case with some other credit cards.

The TF Bank mobile app is available in English, making handling the card easy. However, the sign-up process is only available in German.

These are the five steps you need to take to get your free TF Bank Mastercard Gold:

  1. Apply for the TF Bank Mastercard Gold
  2. Verify your identity
  3. Get Your Mastercard credit card
  4. Sign the Activation Letter & send it back
  5. Get your activation email

This guide will take you step-by-step through the application and activation of your free TF Bank Mastercard Gold.

TF Bank Mastercard Gold
  • No annual fee
  • English banking app to easily control the credit card
  • High acceptance for internationals
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Transparency: We earn a commission if you click this link and make a purchase at no additional cost to you.

Requirements for international customers

In order to successfully apply for your free TF Bank Mastercard Gold credit card, you need to fulfill the following requirements:

How to order & activate your free TF Bank Mastercard Gold

Follow the 5 steps below to get your free Mastercard Gold from TF Bank.

1. Apply for the TF Bank Mastercard Gold

To start your online application, please click on this link. Then click on “Mastercard beantragen” (in English: “Apply for a Mastercard”).

TF Homepage

Hot Tip

If you use Chrome as a browser, you can right-click on the page and click on ‘Translate to English.’ Alternatively, you can click on the translation widget in the address bar. For more details on enabling these functions on Chrome, make sure to read Google’s help article.

Fill in your personal details as seen below:

screenshot on how to fill personal details
TF Bank Personal Details translated into English

Anrede: Select your salutation (Frau: Ms. / Herr: Mr.)
Vorname(n): Your first name(s) as stated on your passport
Nachname(n): Your last name(s) as stated on your passport
Straße: The street name of your registered address in Germany
Hausnr.: The house number of your registered address in Germany
PLZ: The postal code of your registered address in Germany
Stadt: The city of your registered address in Germany
Mobilfunknummer: Your German mobile number
Email: Your email address

You only need to tick the box underneath your data if you would like to receive advertisement from TF Bank. If not, you can leave it empty.

Finish by clicking on “Kreditkarte beantragen” (Apply for credit card)

Continue filling in your personal details on the second page:

personal details 2 translated
TF Personal Details (page 2) translated into English

Nationalität: Your nationality
Geburtsort: Your birthplace
Geburtsdatum: Your date of birth (dd/mm/yyyy)
Tätigkeit: Your profession
Tätig beim derzeitigen Arbeitgeber seit: Since when have you been employed with your current employer (dd/mm/yyyy)
Einkommen (Netto pro Monat in €): Your income (net per month in euros)

Continue by ticking the box to accept the terms and conditions (Geschäftsbedingungen & Datenverarbeitung).

TC German
Terms & Conditions in German and English


In some cases, you will see a second tick box above the terms & conditions. Do not tick this box unless you want to buy payment protection insurance from a third-party provider.

Protection Insurance German English
Do not tick the box for protection insurance, unless you want to buy it from a third-party provider.

Finish by clicking on “Antrag absenden” (Submit application).

submit application
Accept the Terms & Conditions and submit application

The next screen will let you know within seconds whether your application has been accepted (Ihr Antrag wurde akzeptiert!) or not (Leider können wir Ihnen keine TF Mastercard Gold anbieten.)

2. Verify your identity

After your TF Bank Mastercard Gold application has been accepted, you will be prompted to verify your identity via IDnow. You will find the link to IDnow either in the browser window, which confirms your application, or in the welcome email you receive.

Download the IDnow app and follow the process in the IDnow app by uploading pictures of your documents (ID/passport and/or residence permit).

Should TF Bank require additional documents from you, they will reach out to you directly.

3. Get your Mastercard credit card

Once you have successfully verified your identity, it will take 7-10 business days until you will receive two letters from TF Bank:

  • One letter includes your credit card AND the activation form
  • The other letter includes the PIN number for your credit card

4. Sign the activation letter & send it back

It is very important that you hand-sign the activation form you received via postal mail and send a clear picture of it via email to [email protected].

5. Get your activation email

1-3 business days after you have emailed your signed activation form to TF Bank, you will receive the final email and text message confirming the successful activation of your credit card.

Activate your Mastercard Gold for online shopping

To protect your credit card from fraudulent use, all Mastercard credit cards must be registered for the Mastercard Identity Check to use it for online payments.

You can do so via the TF Bank mobile app. Select ‘My TF Bank’ in the lower menu bar and click on ‘Mastercard Identity Check’. You will be prompted to fill in your German mobile number, which you used during the application. Next, choose your own password.

That’s it. Now you are able to use your TF Bank Mastercard Gold online as well as offline.


The TF Mastercard Gold is one of the easiest free credit cards to get in Germany as a foreigner.

Be aware that you need to settle your credit line regularly to avoid getting charged high-interest rates. For any other questions regarding your TF Bank Mastercard Gold, you can also find the FAQ section from TF Bank in English.

Good luck with applying for your TF Bank Mastercard Gold! 🍀

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About the Author

Yvonne Koppen is a researcher and writer at Simple Germany, focusing on demystifying German bureaucracy for international skilled workers.

She has lived and worked abroad, which helps her understand how difficult a move to a new country can be. Beyond her professional pursuits, Yvonne loves to plan and go on road trips, puzzle, and do a triathlon here and there.

She is committed to creating accessible, empowering content through her writing and YouTube videos. Yvonne's passion for continuous learning and her ability to simplify complex topics make her an invaluable resource for expats seeking to navigate their new life in Germany.